The car, truck, or SUV you are insuring is probably the most important factor when shopping for the best cheap auto insurance for drivers with bad credit. Vehicles with lower acceleration and performance, good safety features, or a track record of few liability claims will cost quite a bit less to insure than higher performance models. The next table ranks car insurance prices for some of the most affordable automobiles to insure.
|Vehicle Make and Model||Estimated Cost for Full Coverage|
|Honda CR-V LX 2WD||$884|
|Honda Accord LX 4-Dr Sedan||$965|
|Ford Escape XLS 4WD||$990|
|Dodge Grand Caravan Hero||$1,045|
|Chevrolet Equinox LT 2WD||$1,055|
|Chevrolet Impala LT||$1,045|
|Jeep Grand Cherokee Laredo 4WD||$1,052|
|Ford F-150 XLT Super Cab 2WD||$1,082|
|Toyota Corolla S||$1,098|
|Jeep Wrangler Rubicon 4WD 2-Dr||$1,105|
|Toyota Tacoma 2WD||$1,119|
|Ford Edge SEL 2WD||$1,124|
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Prices above based on married male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Rates do not factor in garaging location in Arlington, TX which can alter premiums noticeably.
Based upon these rates, makes and models like the Honda CR-V, Honda Accord, Ford Escape, Dodge Grand Caravan, and Chevrolet Equinox are going to be the less-costly vehicles to insure for people with poor credit. The price for an auto insurance policy will be higher anyway just because there is more liability exposure for drivers with bad credit, but overall those makes and models will most likely have the lowest insurance prices compared to other types of vehicles.
One of the more important criteria that are looked at to determine insurance cost is your zip code in Arlington. Regions with larger populations or more claims tend to have higher auto insurance costs, whereas areas with lower vehicle theft rates and fewer weather claims have the luxury of cheap car insurance rates.
The next table shows the highest-priced places in Texas for drivers with bad credit to buy auto insurance in. Arlington comes in at #14 with the yearly price of $1,692 for coverage, which is around $141 each month.
|Rank||City||Premium Per Year|
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Premium costs are comparative as specific Arlington garaging address can modify premiums considerably.
Violations and accidents raise rates
In a perfect world, the best way to enjoy low auto insurance rates in Arlington for people with poor credit is to be a cautious driver and avoid getting tickets or having accidents. The illustration below demonstrates how citations and accident claims can impact insurance prices for different insured age categories. The data is based on a married female driver, full coverage, $1,000 deductibles, and no other discounts are factored in.
In the previous example, the average cost of a car insurance policy in Texas per year with a clean driving record and no accidents is $1,225. Get one speeding ticket and the average cost jumps to $1,432, an increase of $207 each year. Then include two accidents along with the one speeding ticket and the annual cost of auto insurance for drivers with bad credit increases to an average of $3,364. That’s an increase of $2,139, or $178 per month, just for not keeping your driving record clean!
Finding a highly-rated car insurance company can be difficult considering how many companies sell coverage in Texas. The information in the next section could help you pick which coverage providers you want to consider when comparing auto insurance rates for drivers with bad credit.
The ratings below are only comprised of large insurance companies, so smaller companies that only insure vehicles in Texas are not factored into this list. To view rates and find the cheapest rates for drivers with bad credit, click this link.
Top 10 Major Auto Insurance Companies in Arlington Ranked by Customer Satisfaction
- USAA – 91%
- AAA Insurance – 90%
- Esurance – 90%
- Mercury Insurance – 89%
- Nationwide – 89%
- Travelers – 88%
- Progressive – 88%
- Safeco Insurance – 88%
- State Farm – 88%
- Allstate – 88%
Top 10 Major Auto Insurance Companies in Arlington Ranked by Customer Service
- Mercury Insurance
- AAA Insurance
- Safeco Insurance
- State Farm
- The Hartford
- The General
Get discount Arlington insurance
Insurers that offer cheap quotes for drivers with bad credit may have rate discounts that could potentially reduce rates by as much as 40% or more if you meet specific eligibility requirements. A few popular companies and some of their more popular discounts include:
- State Farm has savings for anti-theft, student away at school, multiple policy, driver’s education, Drive Safe & Save, and Steer Clear safe driver discount.
- GEICO offers discounts for good student, anti-theft, federal employee, seat belt use, defensive driver, daytime running lights, and air bags.
- Progressive offers discounts including online quote discount, online signing, multi-policy, multi-vehicle, and continuous coverage.
- 21st Century includes discounts for defensive driver, 55 and older, theft prevention, automatic seat belts, air bags, early bird, and anti-lock brakes.
- American Family policyholders can earn discounts including TimeAway discount, multi-vehicle, bundled insurance, mySafetyValet, and air bags.
- The Hartford has discounts for defensive driver, driver training, bundle, anti-theft, and vehicle fuel type.
- AAA may have discounts that include AAA membership discount, good student, education and occupation, multi-policy, and good driver.
The diagram below illustrates the comparison of insurance costs with and without discounts applied to the policy rates. Data assumes a male driver, no claims or driving violations, Texas state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with anti-theft, multiple vehicle, marriage, passive restraint, accident-free, and claim-free discounts applied. When these discounts are applied, the average amount saved each year on auto insurance for drivers with bad credit is 28% or $445.
If you wish to get some professional advice when shopping around for cheaper insurance for people with poor credit, the insurance agencies listed below can provide answers to your questions and help you determine which car insurance policy is best.
To find an Arlington insurance agent close to where you live, click the button following the list or click here to compare price quotes.
Jane Koch Oellermann – State Farm Insurance Agent
2255 W Green Oaks Blvd – Arlington, TX 76013 – (817) 457-9933
Kristie Pickle Dorris Insurance
4200 S Cooper St – Arlington, TX 76015 – (817) 467-7233
Randy McCoy – State Farm Insurance Agent
1730 W Randol Mill Rd #160 – Arlington, TX 76012 – (817) 274-1324
Farmers Insurance – Philip Szurek
2614 W Arkansas Ln – Arlington, TX 76016 – (817) 303-3880
Sun West Insurance Agency Inc
600 Six Flags Dr #102 – Arlington, TX 76011 – (817) 261-1101